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What The Young Generation Need To Know Today!

What The Young Generation Need To Know Today!

This Social Media takeover in the last few years has created a whole new level of generation entering into the 'real world'. Most just want more content for their Snapchat or Instagram story and the danger could be they don't grasp what is essential knowledge for being successful in the raw reality of LIFE.

Thus here, I go through some of the key areas I want this new generation to pay attention to when entering the real world!

1. Personality trumps grades

If you’re looking to enter the job market, your academic credibility will already have helped qualify for the interview so you will then need to draw on your biggest asset which doesn’t rely on your grades: Your personality. This is your greatest asset and will see you through the job market, promotions and help you venture into entrepreneurialism, if that’s is what you prefer. Sharpen your interpersonal skills, communicate well, look the other person in the eye, show enthusiasm, look presentable, show your charm and be likeable. Employers will judge you on this far more than your grades, making this one of the most important aspects of your overall success.

2. It’s not about the money

But of course it is. However, a classic mistake made by many who enter an industry of any type is to primarily choose that route based on earning potential. I became an optometrist because I know my salary could be high, and I made it to the top of my pay bracket, earning thousands every month. The problem is, it wasn’t me, despite giving it my all. I was unhappy and miserable. I chose this career for the wrong reasons and I had to leave it when I’d reached my rock bottom of unhappiness. The lesson here is that we all want to be aspirational with our earning, but even if you choose a career path with no passion, enthusiasm, or excitement, it will backfire. If your heart is in an industry which isn’t known for money making, explore it anyway, see what the options are. Are the skills transferable? Can you do it abroad, making your experience more useful? Perhaps you will start a business doing it? All the research about industry success indicates your the congruency of you as a person and the path you've chosen, will determine your overall happiness and thus success!

3. Respect the little jobs

We've all started from the bottom, or at least I have. Starter jobs are some of the most important roles you will ever do. Embrace them fully. The fact you’ve exchanged long hours for modest remuneration should teach you the value of money versus time. The lowest I earned was £30 a day for an 8-hour shift, and the most was £9000 in a day when I became a forex trader. If you do not value time from an early age it’s easy to fall in a pattern for the remainder of your career. These little jobs, be they supermarket shelf stacking or waitoring will expose you to people and scenarios of all walks of life. This is invaluable in brushing up on your interpersonal skills and rapport building.

Plus it will really make you really clear what path you wish to take in your future, whether that be exchanging time for money or creating wealth in a more efficient manner which tends to create far more wealth at the end

4. Become a new person.

This is my favourite step to being successful, because it rung so true for me. What were you like in school and uni? Like me, were you shy and introverted, or even bullied, and carry the psychological scars? The good news is that when you enter the real world, you get a chance to be a totally new you. I was introverted at school. No one thought I would go on to do anything significant, let alone become Britain’s most successful female forex trader and build up a £100 million business. Many young people 'do what their friend's do'. Scrap that notion, go it alone, get used to being independent-minded. This is the one time you do not look to your friends. This is the time you can reinvent yourself. The decision to do this can be instant if you so choose. You leave behind the peer groups of school, you shake off the baggage and you can finally be who you want to be.

5. The positive U-turn

The industry path you choose is not the total sum of you. Linking to point 2, changing careers further down the line often comes with guilt and shame. When the calling to go a particular direction is strong and clear, that has to be honoured. Allow your ego and mind to understand ‘this is me right now’ is not ‘me forever’. I left optometry to work in the property market, and then became a forex trader. I reached success in all areas, but as I followed my calling to each field, the results exceeded all expectations. Follow what excites and motivates you, so do not be afraid to move from one industry or opportunity to another.

6. Use your intuition

Few business books will explain how to do this. Gut feeling is probably our biggest assets in all aspects of our lives. When choosing an industry, let your heart, not thinking mind, help you. Refer to a situation in your past where you felt your heart leading you to a place or situation which was absolutely right for you, now use that same feeling when it comes to your next challenge. Ask yourself ‘does this feel true to me?’. Do I like who I will become in this industry? Do I like and trust these people? You will need to employ this throughout your life when meeting potential business partners, colleagues , employers perhaps and deciding on organisations to work with. Ignore your intuition at your peril. We’re slowly becoming a more spiritually aware society. Without prescribing too much to the myriad of spiritual solutions out there, just simply learn to tune in.

7. Don’t listen to your parents

Not unless you want to replicate their successes and failures. If you’re looking for a career / life path vastly different to the lives they’ve created, following their advice is not the best thing. Parents can come with their own prejudice, cultural baggage and limited thinking. This is not to rule them out completely, but the moment you notice ‘limited beliefs’ coming from them when you’re discussing your career options, that’s the first warning sign. I came from a working class Midlands Asian family where almost everything I went onto doing was met with skepticism. Optometry was one thing, but becoming a property investor and eventually a forex trader was met with much antagonism, disbelief and criticism. My family could never accept my life as a trader could provide a viable source of income. It did a 100 fold. From family, take only the positives, shake off all the limiting beliefs. Their journey is not yours.

8. Zero fear factor

There’s no better time in your life to approach something with zero fear. When you start your working life, there aren’t always children, mortgages or and onerous bills that come in your later 20s 30s 40s upwards. Therefore take this time to absorb everything, network fiercely and push for the best positions. Starting out can be totally daunting but there is not much to loose at this point. Tenacity should be at its highest level since right now you have everything to gain and the only way is up!

9. Passive income

One thing they will never teach you at school: do not put all your eggs into one basket. People are taught to be too reliant on one career and one source of income. In the age of zero hour contracts and a volatile job market, the idea of jobs for life, is something confined to the generations of yesteryear. We’re kidding ourselves if we think we can only rely on our jobs for all our income needs. So get out there and learn how to implement a source of alternative or passive income. There are a myriad of ideas from e-commerce businesses to direct sales or trading currency or stocks and shares. Keep an open mind. Pensions have been battered in recent years, and I personally have never invested in one! My property portfolio will serve me much better, so it is essential we keep our minds open to additional sources of income.

Fortune Academy teaches all the above and more through the world of financial trading, property, business and most importantly the mindset needed to create the wealth in all areas! To attend an event in the future please register here: https://www.fortuneacademy.co.uk/fortuneevent/

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Can Women Be Traders?

Can Women be Traders?

It’s the one question that has always fascinated me for a long time, especially since I was forever the ‘token female’ in a male environment in all my financial pursuits; property since 2003 and forex (financial trading) since 2008.

I am sure you will agree, the financial markets are without doubt a male dominated industry. A good 95% of men (when I have compared figures provided to me by Goldman Sachs, Credit Suisse and Citi Bank) comprise all the financial trading positions and the statistic does not seem to be decreasing from what I can see.

Saying that, I have met some fantastic women in the financial industry, some in CEO and Vice President positions for Tier 1 banks, others Directors of financial institutions to women working in very senior roles in Private Banking. Note that even in these high rank positions, they did not have any knowledge in how to trade forex, or anything else for that matter. I found it really interesting that according to all of them they ‘needed that extra push’ from an external factor, such as a male work colleague, a male trader or myself, to push them into the financial markets. Thus it seems as though these females don’t see a NATURAL AFFINITY to becoming a trader.

This is a shame because I have found that when these women (or any other female with bold determination) undergo the training and put the whole trading process into play, they are impressive! They are often seeing a return within days and months of trading a live account. And it is a sustainable return, not just a short term gain. Of course they all stumble upon losses like all traders do, regardless of gender, but that’s where the magic will start to surface…will these women crack under pressure, or do they have that ‘fighting spirit’ that we associate with ‘Wonder Woman’?!

Now there is one thing I have found in common with these females…the ones with high-ranking positions in the corporate world, the successful business lady, or a woman who has had to build herself up from trauma in her past are the ones who usually continue to survive. In case you wondered WHY...the skill-set and character traits that got them that high ranking position in the first place or made them persevere through the rocky business world, or get them through that hell-hole in their personal life, is the exact same skill set that will keep them successful in the financial trading world. Any good trader can tell you its how you deal with the losses that determine whether you are a good trader or not. Anyone can deal with a win, there is no skill needed to enjoy the good times in trading, the times that test you are dealing with the losses, when you question your strategy or purpose in trading. Most successful traders will be able to agree that trading successfully still means losing more often than winning, but with the correct risk management strategy your wins will outperform your losses. The difficult part is not breaking the rules!

So back to the question ‘Can women traders be successful”? The answer is: It all comes down to their psychological make up. There are so many hurdles females need to overcome subconsciously before they can even see themselves as successful traders, let alone try it. For example, there are no sassy female trader examples in history, no trader movies or TV series based on females, and the current rookie-trader social time tends to denigrate women in general. Most women wouldn’t want to be part of the trader lifestyle on a subconscious level let alone consciously choose to be!

Hence I had my work cut out on the World’s First Female trading event, "Females For Freedom", in April this year! My aim was to show women of all backgrounds, race, age and educational background that there was an industry that produces an income in a far more favourable fashion than a 9-5 awaiting them, that they possibly had never considered!

The good news was that women did turn up! All races, ages and backgrounds showed up: from the most extrovert and successful business ladies to some more meek individuals who were used to doing as they were told by men (husbands, partners or otherwise). Some only turned up because there were no men allowed (ha ha). I have to be honest though, it felt very alien and almost daunting to me to be in a room full of females because quite frankly, I had never been in such a situation all my working life! I was a little unsure whether they would bitch and complain and judge what I was about to tell them about the truth about the trading world and how they could be part of it if they were up for the life-changing challenge. But I was pleasantly surprised! The women, although very polite and gentle in their demeanor were happy to see the possibilities of women standing strong in an industry filled with men. The same reasons were resonating in that room as they do in any audience I have; the need for empowerment in their financial, spiritual, emotional and physical lives. They all agreed that having the flexibility in life through earning more money would be powerful.

I was showing them a way to design the life they always wanted through serious wealth building skills. I made it clear that this world was available to them and was here for the taking, so long as they were able to commit mentally to building that psychological muscle needed in trading. Most women also have advantages over men in the psychological aspect in that they don’t suffer so strongly with the EGO issue which I have seen literally ‘blind’ men from their trading faults. In short, men lose BIG with their BIG egos, while women have the emotional intelligence (usually) to re-assess their errors at the first hurdle and usually learn quicker to make the better trade call next time. The list of female versus male traits in trading are quite extensive and I have covered this in my upcoming book, so I will let you read that when it is published later this year.

Thus in short, there are no strong reasons why women cannot be traders and of course I believe this because my message at this event was very clear : Females For Freedom! I was keen to see how many women I could take to the next level of their lives through the rigorous training I provide, so intense that I can only bear taking a limited number per session to ensure a high quality mentorship. At this stage I was overwhelmed with the response I had…it was immense and I was extremely impressed with the women who were willing to better their lives. However joining my training is quite a filtered process; I make sure I pick the best students to ensure the best results. Its not for everyone and I don’t want it to be. I only want the strong minded, resilient minds and those with heart; someone who can really hold that vision of success in their minds when things get tough, because believe me they do. I want to see who can deal with failure and still come out on top. Thus my selection process is fair but brutal!

Once again, the women were proving to be successful in going through this selection process, communicating to me WHY they wanted to take on this challenge and how empowering it would be for them. There were tears all around and moments of amazement hearing the stories that were shared and I felt honoured to be part of that empowerment process with them. It was an exciting prospect to think that this journey to bring more women I was excited to start the journey with the ladies only 2 months later when their training would begin. Could this be the small step to start slowly changing the statistics with more women taking to this field dominated by men?!

Well I found the answer lay in watching HOW well these women can make decisions. I make it very difficult as a Fortune Academy policy to get onto the training for forex (male or female) since this produces better results in the end. Surprisingly, some of the very determined women who opted for the training, convincing me and the whole room in the process, that they wanted to do this through the interview process, struggled when it came to the crunch…they had to ask ‘permission’ from their husband or boyfriend. Others made the commitment but quite quickly retracted in fear of the decision they made thinking they ‘were not mentally ready’ or were not ‘sure this was for them’. Others who even begged and pleaded for the position at the time, a day later went back into their comfort zone and said that ‘maybe in the future’.

The list of crippling excuses were unbelievable, something I was astonished to see since I, myself never gave into those in my journey over the years. It seemed the majority of women in that room loved the idea of being independent financially but struggled to be independent from their emotional baggage or previous identity that haunted them. They seemed to have the most incredible and in depth excuses, they almost rationalized themselves out of anything that would be different to what they are used to right now. That was quite a shame to see to say the least. I have the most incredible female examples for them; 2 of my top female students are Vice President’s of Tier 1 banks in the UK. Another is a business owner and is still going strength to strength. These are just the women I have picked as top performers in a large group of female traders I have taken over the years. However now that I have learnt more and more about these top-performing women, I have learnt what works and more importantly what does NOT work.

So far, from my experiences in the retail industry over the last 3.5 years, I have realized that the kind of women that are cut out for this world of financial trading are the ones who are already playing ‘top dog’ in their field or in their lives. The reasons being the same as the ones I stated earlier in this blog; they can make and commit to tough decisions, not afraid of going against the grain and most importantly can handle the stress and emotional rollercoaster that comes with such a challenge like financial trading.

But I hate to break it to you…these women are diamonds and extremely difficult to find! Over the years of teaching financial trading to both men and women, I made an observation: In a room of 100 women of ‘ambition’ I found only 3-4 have really got what it takes.

So where does this leave me with my quest to build more female traders? It was a tough one to get my head around, quite simply because I didn’t like the answer. But I cannot hide from the truth, which is: the majority of women so far, have proven to me (and not the other way around) that they don’t have what it takes. I wont give up however, I am willing to still take women traders and train them to the best possible level, only after they go through the rigorous selection process I put them through. The latter is only fair since I wouldn’t want to get their hopes up if they really have no mental or emotional foundation to handle the pressure and discipline that will be needed through this journey.

But the knowledge that I have done it, plus knowing that my top 3 females have made it to the level I hold in high esteem shows me it is possible. So the message to all women who are interested in this industry…few words of advice: know how to make your own mind up and commit to your future the next time you do make a decision out of that comfort zone, or else, life’s lessons will continue to repeat themselves unless you finally learn WHY.

As for the gentlemen…you continue to have the edge in this industry, that’s for sure. I have to be honest, you guys are the easiest to train, you give yourselves that possibility on a subconscious level and it really shows! However 40 years from now, I hope to see a very different picture in the trading world. Here’s to hoping to see that day in my lifetime!

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Have You Got The Trader Personality?

Have You Got The Trader Personality?

My experience in the financial world since 2008 has revealed some amazing facts on the personality types that survive this world. In property I had stated in my previous blog, that the only personality types that survive the long haul and see real success would be the ones you would call ‘a peoples person’, someone who had mastered the art of communication so much so, that you would call them the extrovert in a crowd. But by the time I came across enough successful traders ranging from Wall St, the Middle East, Asia to London I soon discovered that a whole new personality type thrived: the introvert!

Being a successful financial trader is probably one of the few industries where your results outweigh your people skills. You can get away with speaking to absolutely nobody and still be treated like a GOD in the industry based on your successful trading results and track record. It was for this exact reason (the antisocial aspect, not the being treated like a God) that attracted me to the industry so much. In property I was sick and tired of having my day run by tradesmen, conveyancing solicitors, endless networking with property sourcers, estate agent employess, auctioneers, not to mention dealing with tenants! I found I had plenty of money in the bank but was still living my life a slave to the process.

So in 2008 onwards I embarked on a solo journey, to embrace the financial trading industry to escape the people I didn’t want to speak to and more importantly BUY back my time so that I was making money using up a lot less time in the day. I could then spend that day doing things I really wanted to prioritise, such as spending quality time with quality people and developing interests that would force personal growth and wisdom, rather than the incessant rat-race mentality we are all too easily sucked up by.

Of course my journey wasn’t a simple one, within 9 months of starting, my ‘self-taught’ journey using free information on the internet, I was trading like an amateur and lost £200k in a matter of 2 short days. My self-learning days were over, I had proved to myself that this industry did not like the amateur self-education method and that I had to seek out a real mentor that could really teach me forex.

To cut a long story short (read my first blog if you need more info) I bought my way into the network of top financial traders in London using a consortium of funds that amounted to £7.8million. I used top negotiation skills to liaise my way into the industry’s ‘closed door policy’ was introduced to the City’s top five financial traders at the time!

It was quite a revelation for me to see the types of personalities that I was dealing with; you had traders that looked like Einstein and walked around Mayfair in the winter months with socks and beach sandals, to guys in the Gherkin that were your typical Harvey Spector ‘Suits’ types, to the third type which were definitely autistic in nature, lacking so heavily in the communication department, that you had to pull out some sort of candlestick chart to initiate a conversation. The rest were a cocktail of all three. One thing I found in common though – the love of alcohol. At any time, any place.

But there was one exceptional personality type that I learnt was a sure FAILURE type personality when it came to the financial industry: The Wolf of Wall St types! These people were most commonly seen in the brokerage world, but still existed in the new bankers that came out of Citi Bank, UBS etc – the ones the seasoned traders frowned upon, the reckless types with short-lived success.

I can speak all day of the type of trader that won’t succeed, the list of failure characteristics are endless! But in this blog I will concentrate on the list of character traits you need to own to be successful in this industry:

  1. A controlled EGO – the biggest reason someone fails is because of this. Learn how to harness the EGO and the world of trading becomes limitless.
  2. A private persona – as opposed to the brash ‘Wolf of Wall St’ lifestyle. There is no need to show people how much wealth you have, successful traders take pride in the precision skill needed in trading rather than the money itself. The money is simply the by product.
  3. Know a ‘friend’ from an ‘acquaintance’ – successful traders have a very high level of sophistication when it comes to the people they associate with. They understand that the world of big money comes with lots of flattery and many fickle personalities. Most great traders I have come across are proud to count the number of ‘friends’ on one hand.
  4. Less is more – successful traders I know would rather have a meal alone in a private members club than have company for the sake of it. They prefer to stay on the outskirts of society to watch and learn from the mistakes of others rather than fall victim to the same behaviour.
  5. They read – a lot. Philosphy, Socrates to the latest methods of peak performance. Great traders embrace mental stimulation and growth at all costs since they know that will improve their profits overall.
  6. Risk management – the holy grail of any trading system is the attention to the risk management strategy employed. The best traders I have seen (they are few and far between) know that trading is more about managing the downside over the profits. When the downside is managed well, the profits will take care of themselves.
  7. Trading psychology – not attaching the outcome of any trade to your identification of YOU as a person. A great trader will understand the emotional rollercoaster that exists if you do not harness the emotional side of trading. The most powerful aspect of this is detachment of the outcome from the EGO, so that you don’t lose sleep every night.

The description of the successful personality type is a lot more than 7 points, in fact I teach this over years of my mentorship with the students I have had over the last 3 years. If you speak to any of these traders (that are doing well, may I add) they will tell you all of the above and a lot more! The beauty of the trading world is quite simply – it is not confined to any single personality type! In fact the only single personality type is proven to fail is the ‘Wolf of Wall St’ types. So next time you see a trader with that kind of personality, you know to steer well clear!

Trading the financial markets could be argued to be the most fair industry in the sense that it would suit 99% of the personality types out there, if only they had the discipline to not adopt the ‘Wolf of Wall St’ or the ‘get rick quick’ personality type. Trading needs to be treated like a marathon, not a sprint and confidence can be taken in knowing that ALL the skills that are needed to become a successful trader can be developed over time, regardless of your race, gender, financial background, age, education level, or indeed if you have a problem speaking to people or not!

If you want to learn more about how to become a successful trader, please come and join me at a Fortune Academy event where I discuss all the above and a LOT LOT more!

Register here :

Females only event: https://www.fortuneacademy.co.uk/femalesforfreedom...

General admission event: https://www.fortuneacademy.co.uk/event/

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CAN YOU BE A PROPERTY MILLIONAIRE?

So many people ask me about which one of the two they should do first and why..my answer: lets figure out which personality type you fit into first!

There is a massive difference in the two fields, I should know since I have dedicated my life to Property since 2004 and then Forex since 2008. I still love and invest occasionally in property deals to this day, but definitely not as actively as I did from 2004 till 2011.Ive got plenty under my belt – a multimillion pound portfolio that helped get me ‘financially free’ by 2007 after which I went crazy (in a good way) and started supplying auction houses with properties. The latter would amount to about 42 properties every month for a good year until 2008 slowed the market down for a few months. This was a blessing in disguise; any workaholic like me knows, you never stop voluntarily. Some external factor, such as a global financial crisis was the only thing that ‘put the brakes’ on my deals. But even then, any good investor knows; all that amounts to, is a change of strategy. And off I was again…but this time into the world of financial trading as my new investment strategy. I still continued the property investing for a solid 3 years on, till 2011, after which I was trading the financial markets as my primary focus.

I get excited hearing a friend, family member or business colleague tell me the figures of a new deal they're working on, the complexity involved in getting the deal done. Property is all about 'The Art of Negotiation' and 'The love of a deal'. If you find that you can relate to either or ideally both of those criteria then you have a great probability of doing well in property investment and development.

In my opinion, to do property well, you need to be able to get your head round the following kind of lifestyle:

Wake up early (between 6-8am, so not that early) and the first thing on your mind should be, 'who have I not rang this week that is either in the estate agent game, or an independent property sourcer, a builder, developer, an auction house etc, so that I can build my rapport with further. In fact, screw the rapport building over the phone, let me call them up and see who I can entertain on lunch and really pick their brains and get those deals out of them!" It’s all about people and your network in property investing. Without that, you're useless. You need to get yourself to EVERY networking group I was travelling to London, Birmingham, Leicester and Manchester every month just to get to know everyone I could possibly find that was a key player in the industry so that I could learn from them. You see in the property industry the information is readily available. It is so easy to learn the theory that no one minds telling you. They know that the great deals come from the power in your network and most importantly HOW good you are at communicating with fellow humans, 

You have to be a top car salesmen times twenty in this industry. The biggest challenges in your property investing life will be how to win over a judge when your trying to save your clients house repossession and personal bankruptcy while being faced by men in black suits from KPMG on the other side. Another challenge could be finding out who runs the Asset Management list in a Tier 1 bank (through which mortgages are given), who if you manage to take out on a few lunch dates or evening if needed, will eventually give you first refusal on all the repossessions for a 2 week window when they are released. Then you have the auctioneers, the man/lady who runs the auction house; networking with them enough to realise that a majority of the great deals never make the auction room, and indeed they are offered to private investors 2 weeks before. The auction house was in fact the best place to get rid of all those properties I had secured from the Tier 1 bank lady; the auction was the perfect exit strategy for a property investment.

The above are just some of the scenarios I have been through. Those are the easy parts. I haven’t even gone into giving the estate agent employee (not the owner) brown envelopes with cash ‘to donate to their charity of choice’ on securing that I get the deal off the market. No one buys a deal from ‘rightmove’ or indeed by stepping into the estate agent. Its all about finding the properties before they hit the market.

Then you have tenants. Commercial tenants are great, but no doubt as a property investor you will want to secure some residential properties which means you will have the families, students, and half-human, half-animal occupants who may make your life hell! What do you do with them, especially when they trash your house and decide not to pay the rent. Tenants have more rights than landlords which adds further fuel to the fire. I used to love my first ever student tenants. For the first few years, I used to collect all the rent in cash on my own, sometimes doing collections at 11pm when they were in. I had a great rapport with them and I was very well known in the area so I had no fear in being a sole female collecting rent in a Mercedes sports car, only 23 yrs old and approximately 7k cash in the central compartment of the car every week on collection days. Ignorance was bliss I’m guessing, plus my boyfriend at the time was pretty pathetic and offered no support; he was content playing NBA on the xbox instead.

Then you have the occasional tenants that are professional scam artists; I remember when I accepted them as tenants, my investor friends advised me not to based on their ‘stereotype reputation’ but I refused to listen as always and thought I would be a non-discriminating landlord and allow an equal opportunity for all. But those were the tenants that stopped paying after their first month and then avoided all my contact for 4 months, until I forced my way into the house one day, only to be threatened with a handgun. I remember that night quite clearly, quite an escape when I look back at it, but they were later arrested and I got my professional debt collection guys to remove them as tenants days later when they were out of the cell.

There was another tenant, a retired chemistry teacher who decided to keep explosive material in the garden shed and conveniently tried to blow the kitchen up exactly on my planned arrival to discuss his rent arrears. I was late by 5 minutes, and when I had arrived there were police and fire engines outside and the tenant had been arrested for possession of illegal explosives.

Then there was as student property, which the local police used to visit more often than I did. I would often get calls from the police discussing the whereabouts of the tenants after there were reported ‘stabbings’ in the house and they would often say ‘We seem to know more about your tenants than you do’. I couldn’t argue that fact.

If I told you all the run-ins I had with tenants we would be here forever, but I was still making an absolute fortune collecting rent, buying 3-4 properties a week with 40/50k cash-back each time (pre-2008) negotiating 50%-75% below market value deals and making a minimum of £10-17k on all the properties I put through auction houses each month. I didn’t even bother with the land deals at the time, I had no time to spare from all the other investments I had in the property market. I looked into land and lease options more post 2008 when the property game changed.

Why did I get my hands dirty and walk around looking like someone off a construction site (regardless of the 500bhp sports cars I drove around) most the time? Because I wanted to understand the real property world where you HAVE to be street wise. I could (and still can) talk to any person from any background, tradesmen to professional lawyer, banker etc and I could figure out the process in securing a fantastic property deal which I am sure no one else could. That was my forté. My years as a child growing up watching and learning human behaviour psychology became my greatest asset in negotiating property deals. Everyone I was dealing with had the same human needs; reassurance, security, financial or otherwise, the need to build trust. I was not in the property business, I was in the people business. This industry is all about the people involved in making the deal possible, solicitor to tenant. I was providing housing for people and then solving problems that came along in the process. It was all worth it, all the madness, all the lessons made me impeccable when striking a deal, whether that was with an investor or a tenant.

Too many people see property as a way to make a fortune through just bricks and mortar. That bit is easy, it’s the people part they overlook. You can’t hide behind a computer and online sourcing company all your life. Real property deals come from interacting from human being to human being, not social media, not through a property website. Of course you can outsource most the process now through letting agents and property sourcing companies, but I am a strong believer in only outsourcing something you can say you’ve mastered.

I don’t wish to deter you from property investing, that would be hypocritical since I made my first fortune through it! But my aim is to ensure you’re not in the dark with the real ‘human’ side to it. You need to love people to love the property game. Im not a fan of tenants, but I love the negotiation with people and creating the deal in property. There is indeed a beauty in ‘The Art of the Deal’. Property investors that I qualify as successful are of a certain high calibre, very respected in my eyes and usually very down to earth individuals. Property taught me lessons that nothing else could; it helped me understand the art of negotiation like nothing else and really emphasised the power of your NETWORK. So if you see yourself as a people’s person, loving a challenge in negotiating, loving the creation and completion of a deal, love networking, are eager to speak to anyone and everyone and learn tonnes in the process, then property is just for you!

If however, the thought of all this sends a shiver down your spine, then don’t be disheartened, money can be made in so many alternative ways. All you need to do is re-assess what strengths you have in your personality and find something better suited. This is what the Fortune Academy events are all about. (Register for the next event here:https://www.fortuneacademy.co.uk/event/)

Of course, that brings me to the financial world…the world that unfolded when I delved into FOREX. What a contrast…what a different person I had to be. Which one will suit you better? I will cover that in the next blog..

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WHY FORTUNE ACADEMY? Interview with Hither Mann, Founder and CEO

Fortune Academy ran its first event on December 10th 2016 . And it was by no means ordinary. Held in the exclusive ballroom at Mayfair Marriott Hotel, Grosvenor square, International speakers and leaders in their fields flew in from as far as Florida, United States to mainland Europe to speak to the audience that day about how they could increase their financial wealth. Today's world is no longer under any illusion of 'job security' or the promise of a healthy retirement pension. The truth is that you have to take your financial future back into your own hands. The question then one begs to ask: 'Where do we go for this type of information?' The answer: " A Fortune Academy event."

Hither Mann, a self-made millionaire who started supporting her parents and siblings financially from the age of 16, knew all too well what the lack of financial security does to the family dynamics in a household. "I remember from as young as 9, that I was giving myself no choice but to be super wealthy when I grew up. Why? Because I was emotionally scarred watching my parent's abusive relationship, all rooted from the lack of sufficient financial support from their 'jobs' they had while me and my two sisters were growing up"

"I was the middle child, of three daughters may I add which in my Sikh traditional family was already a problem. The lack of a son in a family already held a stigma which was frowned upon. But I realised soon enough that if anything had to change, I certainly wasn't going to wait for things to 'turn out' ok, the pain of watching my mother suffer at the hands of a poorly constructed traditional marriage (in my opinion) meant that son or no son, I was going to be the answer to all their (financial) problems."

"I was reclusive by nature growing up; trying to understand why people did what they did and more importantly what they believed that made them act that way. It was indeed a behaviour pattern that became an obsession for me till this day. It has been the biggest asset in creating my wealth since I knew that 'to achieve something that my family couldn't, I would have to believe and act in ways they couldn't 'or at least were not open to'. Challenging the 'status quo' was no new feat for me throughout the journey in creating my financial journey."

Although Hither went to a prestigious private school for her education (via scholarship) she soon lost faith in the formal education path while at University in Cardiff, studying Optometry. "I knew halfway through the first year that a life of 9-5 was not going to make me a millionaire or indeed happy, no matter how much I excelled academically. A professional career was still a 'job' at the end of the day and I had set my aims much higher. So I knew that was going to be short lived'. She did however see her 4 year degree to an end and immediately sought paid professional work in her new role as Optometrist.

Most people are conditioned to think that the '9-5' lifestyle is all that is destined for them, indeed, just like in Hither's case, this is what has been engrained into their minds by every person of authority in their childhood. It comes as no surprise that studies suggest 90% of people in their '9-5' jobs would prefer to earn their money in a completely different manner. 90% want to escape the rat-race!

Hither was part of the latter since 16 working every free day out of school and University education, from bar work, jobs in retail, office roles to then her professional job role after University. Instead of thinking of a better future, she went out and joined networking groups in 2002 where the financial journey took a whole new turn.

"I soon became a big player in the BMW (below market value) movement that was taking over the property market. I was stopping bank repossessions, fighting bankruptcies in court, negotiating property purchases for up to a 50% discount. By using bridging finance, I was buying the properties and then instantly remortgaging them at their full value to see a "cash-back" of at least £40k each property. Doing this 3-4 times a week at times soon showed me an incredible way of making a lot of cash and the best thing was, because the cash was obtained through 'mortgaging a property' it was classified a 'debt' on the accounts and so the tax man could not touch it! "

Hither acquired an extensive multi-million portfolio in property around the UK and in the space of 3 years was well and truly 'financially free'. "The best part was buying my parents the houses and cars that they needed to feel financially secure and yes it did solve a lot of their problems they used to argue about while I was growing up"

"The hardest part was letting go of the 'career' choice that was supposed to be the be all and end all of my life. There was a lot of guilt associated and at the beginning my parents used to give me a particularly hard time about not pursuing something that i spent years in formal education for. But i had learnt one thing: formal education teaches you nothing about the entrepreneurial spirit needed in running your own business, or indeed creating real financial freedom."

The biggest part of making your financial future secure is to adopt a new mindset - a mindset of an entrepreneur which unfortunately no adult will have learnt through the 9-5 lifestyle. The 'wealth mindset' is something Hither is very disciplined about and states it is "the basis from which wealth can be created. Without it, creating wealth is impossible"

Hither's financial journey didn't stop at Property investment. In 2008, taking advantage of the quiet period in the mortgage industry, she ventured into the world of financial trading.

"I began at the first place we all go to for free information - the internet! And unfortunately I was enticed by the crazy claims made by some advertising where you could win '90% of every trade you place' and 'make 90% return a month' claims. For any novice in this field, that is exactly what lures you in"

"Initially i was lucky, taking a £5000 account to £30,000 in just one month and I continued some volatile wins and losses for at least 8 months. But I was an amateur, I wasn't trading correctly at all and deservedly my luck ran out a few months later when I lost £200,000 in 2 days!"

"Financial trading was a far bigger challenge to me than Property. You need to eliminate your ego which is something i didn't realise I struggled with!" Hither's success in the property market gave her an initial false sense of confidence when attempting the new challenge of financial trading. Loosing the £200,000 was in hindsight the best lesson she could have had from that period since it served as the turning point.

"At this point, I could have easily given up, most people would have and you wouldn't blame them. But I was living in the hope of the lifestyle I had just experienced. When it did go well, financial trading made a lot more money in a shorter period of time and I never before felt I had so much time in the day to do what I wanted. Property had given me plenty of money, but no time. I had finally found a glimmer of hope that if I saw this work well, perhaps I would have more time in my life to do what I really wanted with the money I earned”.

Using her financial clout from property, Hither Mann approached the heart of the financial markets in Central London and offered them her consortium (property fund) of £7.8million in exchange for their managed trading services and expert guidance in teaching her the ways in their world.

"Of course the journey to learn financial trading from the biggest guys in the City wasn't an easy task and by no means an overnight process. It took me another 3 years to be confident in trading my own money again."

Having found the professional way of trading so different from what she was used to in the past, Hither grew more fascinated with the way it was being taught in the industry. “The big players in the market were clearly manipulating their audience into thinking that trading was a very easy task and made it look rather effortless. More than anything they were advocating a lot of ‘high frequency trading’ which was in favour of the broker who in turn was rewarding the educator for bringing in the clients!”

Never interested in being in the education field, Hither than had to re-evaluate her stance, “I’ve always been a believer in being the change you want to see. So I spoke to my trading mentors in the City and devised a plan to allow these strategies they taught me to be made available to those who were serious like I was in learning the most professional way to trade.”

It wasn’t easy to allow these strategies to be unveiled into the public realm, mainly due to the ‘top-secret’ attitude in the market. But having created a ‘prop-fund model’ where top performing traders get rewarded with professional funds and then get to share the profits they make, made everything more exciting for the City traders and Hither.

“Proprietary funds will only support traders who actually know how to trade and so it would only make sense to teach them strategies that are respected in the professional field. This made my life easier with the trading professionals I had learnt from in finally allowing their material to be released to the open market!”

"I taught this successfully since 2014 under other education companies and then since July 2016 under ‘The Only Way Is Forex’ exclusively. The results have been phenomenal as you can see at the events I hold. Some students I have been able to showcase and interview on my YouTube channel.(https://www.youtube.com/channel/UC404GlYKLw5xlVCeO7Wyinw) There are so many great success stories that in January 2017, £240,000 of professional funds were given to my students. This is only the beginning”.

Hither aims to allocate £2million in 2017 to her students alone which is an incredible amount considering some of her students have never had any financial trading knowledge in the past. Her portfolio of students include some huge institutional names, such as Vice Presidents from Credit Suisse and JP Morgan, high level analysts from Goldman Sachs, Bank of America and private hedge funds in Mayfair London.

“The most professional and highest level strategies have been released through ‘The Only Way Is Forex’ launch in July 2016 and shockwaves have been sent round the financial industry big name banks. I’ve had Directors of Swiss banks and their colleagues message me directly about the next training sessions so that they can attend the next event in March! Its incredible and this year will be big!”

Hither has seen how making a passive income through financial trading has really given her the lifestyle she was once dreaming of back in 2008. Her progression from formal education and a 9-5 career to then self-educating through mentors in Property, Business and Forex has allowed her to attain her very high goals in her financial life. She now employs her parents under her companies and truly can provide for their financial freedom that would never have been achieved if she didn’t break out of the 9-5 working routine.

“I feel blessed that I could provide my parents the lifestyle they’ve always dreamed of. Not having to argue or worry about money, going on holidays when they want, working when they want,pursuing their hobbies and more importantly than anything, being able to spend quality time with them as a family that was completely lacking when we were growing up”

“The journey to financial freedom starts with one person: yourself. My journey so far has really made me think about the turning points in my life that began the journey to being free - in every sense of the word. If I had to start over, I’ve always asked where would I start?”

This is where Fortune Academy was concenptialised. “I wanted to create a place for seriously determined people to attend on a regular basis that would teach them all the things they could never learn in business school or university. Property Investing, Financial Trading, setting up a Business online or otherwise, new ways of creating passive income and assets that even I haven’t done in my lifetime. Because success to me means continual learning, I want to be able to inspire people to do the same. I wanted the best and most vibrant mentors in those fields to be able to inspire an audience to really think BIG and breakthrough the limitations they impose on themselves to life the life they really want!

Of course all of this starts as Hither said, with the individual. Thus Fortune Academy’s bespoke feature is making a huge emphasis on mindset and in particular, the need for a Peak Performance Mindset which embodies the health and fitness aspect of an individual as well the mind. “All too often people think you can chase being wealthy and somehow get away neglecting your physical body in the process. But everything is linked and a shortfall in the physical realms will always show in the fruits of your labour!”

Fortune Academy took a whole 12 months to be created by hand selecting the speakers, mentors and even the staff – all to reflect the exact nature of how Hither wants the audience to enjoy their experience.

“Learning to approach your life differently can be an uncomfortable experience because at times you are challenging everything that you once thought to be true! You need to have people you can really trust and connect with to help you along your own personal journey. At the end of the day, its not about making money for money, its never been about that. It’s about showing them what is possible if they didn’t have to worry about money! What would you be doing in the day? Who would you have in your life to spend your time with? What new experiences would you want to try that you never thought you could? How would you want to treat the ones you cared about most if nothing was stopping you?

The actual meaning of financial freedom is far more powerful than people realise. People stop at money…I want to show them it’s a lot more incredible than that!”

I guess the best way to answer these questions yourself are to attend the “Entrepreneur Summit” events hosted by Fortune Academy in Canary Wharf, London. Registrations are free but limited to the capacity of the room. They are kept intimate with a very private feel so that everyone in the room is acknowledged no matter what level of their financial success or where they are on their journey of self-awareness!

Register today: https://www.fortuneacademy.co.uk/event/

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